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FINW Stock Chart & Stats
$13.96
$0.14(1.00%)
At close: 4:00 PM EDT
$13.96
$0.14(1.00%)
Day’s Range― - ―
52-Week Range$12.82 - $22.49
Previous Close$13.95
Volume12.63K
Average Volume (3M)16.72K
Market Cap
$188.60M
Enterprise Value$210.07
Total Cash (Recent Filing)$33.66M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)13.4
Beta0.62
Next Earnings
Oct 22, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.03
Shares Outstanding13,706,039
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio-6.73
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$18.00Price Target Upside28.94% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.13
Revenue Forecast (FY)$205.51M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet / Strong CapitalizationFinWise's minimal leverage and growing equity create durable financial flexibility: a conservative capital base supports continued loan origination, funds product investments (like Tallied), and offers a cushion against credit volatility, reducing insolvency and regulatory strain risk over 2–6 months.
Sustained Origination And Revenue MomentumConsistent high-volume originations and double-digit top-line growth evidence a durable business engine: steady origination flow fuels both net interest income and program fee revenue, underpinning medium-term growth even as credit mix and provision timing fluctuate.
In-house Platform Acquisition Strengthens BaaS MoatBringing Tallied technology and engineering in-house materially reduces third-party dependency, lets FinWise retain fees/interchange, accelerates product rollout, and strengthens fintech partner value proposition—supporting durable competitive advantage in BaaS and card issuance.
Bears Say
Deeply Negative Operating And Free Cash FlowSeverely negative operating and free cash flow indicates the business is consuming balance sheet liquidity to support growth and reported earnings. Over months, this pressures funding flexibility, raises reliance on deposits/capital actions, and weakens earnings quality unless cash conversion reverses.
Elevated, Concentrated Net Charge-offs From Legacy PoolConcentrated losses tied to a finite legacy cohort create a multi-quarter headwind: elevated NCOs force higher provisions, compress sustainable earnings and ROE, and require active portfolio pruning—risking persistent margin drag until write-downs run off.
Uncertainty In Credit-enhanced Balances And Margin DriversCredit-enhancement income materially boosts NIM and reported efficiency; guidance withdrawal and conversion of some balances to on‑balance exposures increase revenue and margin uncertainty. This raises forecasting difficulty and could amplify earnings volatility over the medium term.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $12.82 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $188.60M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Oct 22, 2026 which is in 80 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Jul 29, 2026. The company reported $0.15 earnings per share for the quarter, missing the consensus estimate of $0.24 by -$0.09.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.25.
How many shares outstanding does FinWise have?
FinWise has 13,706,039 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.15 in its last earnings report, missing expectations of $0.24. Following the earnings report the stock price went down -2.766%.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$18.00 (28.94% Upside)
$18.00 (28.94% Upside)
Blogger Sentiment
Bullish
FINW Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
11.85%
Trailing 12-Months
Company Description
FinWise
FinWise Bancorp, the parent company of FinWise Bank, delivers a comprehensive suite of banking solutions to both personal and business clients. Its diverse range of deposit offerings includes demand accounts (both interest and non-interest bearing), Negotiable Order of Withdrawal (NOW) accounts, money market accounts, standard checking and savings options, as well as various time deposits and Certificates of Deposit. The institution also extends a variety of lending products, encompassing Small Business Administration (SBA) loans, financing for residential and commercial real estate, consumer loans, and other commercial credit facilities. Beyond traditional banking, FinWise provides modern conveniences such as debit cards, remote check deposit, digital and mobile banking platforms, direct deposit capabilities, alongside specialized cash management and treasury services. Operationally, the company maintains a single full-service branch in Sandy, Utah, complemented by a loan origination office situated in Rockville Centre, New York. Established in 1999, FinWise Bancorp's corporate headquarters are located in Murray, Utah.
FINW Company Deck
FINW Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: several operational and commercial positives (origination resilience, stronger NIM, significant noninterest income growth, a strengthened sales pipeline, a strategic Tallied acquisition, and healthy capital ratios) were offset by material near-term credit challenges (a large sequential increase in provisions, elevated and concentrated net charge-offs from a legacy pool, withdrawn guidance on credit-enhanced balances, and modest net income/EPS that missed expectations). Management emphasized these credit issues are finite, actively managed, and that the broadened pipeline and product investments should drive growth over the next 12–24 months.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$18.00
▲(28.94% Upside)
Technical Analysis
Ownership Overview
21.98% Insiders
8.69% Mutual Funds
4.11% Other Institutional Investors
58.64% Public Companies and
Individual Investors